let messages: Vec<CosmosMsg> = if !claim_amount.is_zero() {
    vec![CosmosMsg::Wasm(WasmMsg::Execute {
        contract_addr: deps
            .api
            .addr_humanize(&config.distributor_contract)?
            .to_string(),
        funds: vec![],
        msg: to_binary(&FaucetExecuteMsg::Spend {
            recipient: if let Some(to) = to {
                to.to_string()
            } else {
                borrower.to_string()
            },
            amount: claim_amount.into(),
        })?,
    })]
} else {
    vec![]
};
if config.spend_limit < amount {
    return Err(StdError::generic_err("Cannot spend more than spend_limit"));
}
